cat asked:


I have a job that pays $24,000 a year and no debts.What else do I need to get a HOME LOAN.Also good credit.

Henry

Daisy asked:


My spouse and I are wanting to purchase a home. We pay our rent every month so we should be able to pay a house payment. We have some very bad credit issues in the past and would like to take care of them either by settling or paying the debt off slowly. But how does one go about this? I know I can get a government loan if I start paying on the bad debt, but companies want lump sums and dont want to work with us. They demand payment now and dont’ care otherwise. Any suggestions?

Juan

bakedflourchild1969 asked:


I have bad credit. No credit card debt. Just various debts that are 6 plus years old. I have no savings, so would have to be 100 percent financed. Everyone tells me that first time home buyers can get loans easy, but every realtor I have tried to get a home loan through says no. Is there some lending agency that can help me?

Lewis

Nicole F. asked:


My husband and I are trying to apply for a home loan. I’ve been with my current employer for 3 years and he has been with his current employer for 1 year. His work history had been very unstable up until last year. We just want to know if this will be a problem when applying for a home loan.

Rodney

Itsme asked:


I already have a home loan with ICICI on a floating interest rate. I’am looking for another loan.Should I clear this loan first to avail another loan or should I continue paying the EMIs for the entire tenure(This is a huge amount I will be paying by the end).
“Clearing a home loan” is what I meant of getting rid of the loan by making a pre-payment.

Roberto

Knulp asked:


My Dad is 63 and worried that he will not be allowed to get a home loan over/for a period of 30 years because of his age. He is in stable employment as a permanent employee but has been in this position for less than two years. The land he wants to buy is $80,000 (in Australian dollars). Is there any way that he could get a loan, and how do you think he should go about doing it? Any help at all would be sincerely appreciated.

Angela

anpresco asked:


My boyfriend and I are applying for a home loan. The loan officer wants to use both of our credit and financial info for the application. I have both the better credit and longer employment history, but need my boyfriend’s additional income to qualify for the amount we need to purchase a home. Will his less than established credit hurt us, or will it not matter?

Vera

h.f. asked:


I am having a traditional loan application with a big bank. I just found a small bank in Florida, founded in 2004, is offering better rate and cost compared to those big famous banks. The small bank is member of FDIC. Somebody told me small bank may not follow federal regulations. How do I tell if a bank is a qualified home loan lender that follows all lending regulations? What is the risk borrowing home loan from a small bank?

Bradley

dangergirl416 asked:


I have my home loan, home equity, checking and savings accounts at WaMu. I know my checking/savings in insured by the FDIC but I am concerned about my home. Is it safe?

Scott

?skyblue asked:


I’m currently renting an apartment and want to purchase a home. I first need to get pre-approved for a home loan so I know what type of house I can afford. What should I look for in a bank when considering a home loan? Should I stay with the bank I currently have a bank account with or look at other banks also? If I contact a bank, are there specific questions I should ask to know if they’ll give me the best loan offer?

Irene